Having accidents on record will certainly affect auto insurance premium as it will put you in the high risk drivers category. However, how much it does influence rates depends on many factors like age, experience, the number of claims you made, credit score, when you had the last incident, the provider and state you live…
Continue readingDealing with Claims
Not many people intend to make claims when they buy car insurance policies. However, it is something you are likely to have to deal. It is always better to be prepared.
How Many Claims before Car Insurance Cancels?
Some people think that they have coverage and they can make as many claims as they want. This is perhaps true up to a point but things can get ugly after that. Premiums are set based on the information provided at the time of purchase. When new information comes to light, the underwriters reconsider the…
Continue readingCan My Auto Insurance Be Cancelled Due to Accidents?
Unexpected bad things do happen on the roads and that is one of the reasons why you buy vehicle insurance coverage. Naturally, you would expect your looses fairly compensated if the vehicle needs repairs. If you caused injuries and damages to other people, they would certainly make a claim on your policy. This is a…
Continue readingWhat Happens if your Car Insurance Claim Is Denied?
You buy a policy to protect yourself against many unknown damages and/or liabilities. Most people don’t even think about possible repairs and injuries when they buy automobile insurance. They arrange it because it is a sensible thing to do. But one day you may suffer losses and feel that it is time to ask some…
Continue readingVanishing and Zero Deductible Auto Insurance
You may be able to buy a zero deductible policy, pay nothing towards certain losses or required to contribute by law in some states. It is the portion of a claim you need to meet out of pocket before the insurer settles the rest of the damages. Reducing the out of pocket money may be…
Continue readingWill Insurance Pay If I Damage my Own Car or Property?
There are many scenarios in which you may crash on to an automobile or property that belongs to you and wonder if insurance will pay for them. The answer mainly depends on coverage and circumstances of the incident. So, it is best to break down this question and try to clarify the position as best…
Continue readingWhat Happens if You Don’t Have Auto Insurance?
For most people it is unimaginable to drive without vehicle insurance. However, about 14% of the US motorists don’t have coverage. They have already gone pass that and now asking what if I got caught? Actually, they may be considering the question everyday but they cannot get out of this situation due to their circumstances….
Continue readingWhat Happens if You Get in an Accident Without Insurance?
Dealing with a vehicle accident can be stressful and complicated even when you are fully covered. The situation can be painful and financially ruining when you have a crash with no insurance. You may have a momentary misjudgement and feel that it is a calculated risk for whatever reason. However, excuses will not help in…
Continue readingCan Insurance Help If Someone Sues You after a Car Accident?
Having to defend yourself can be as stressful as the incident itself. What happens if someone sues you after a traffic accident depends on how good is liability auto insurance coverage. The one thing that can reduce stress at this point is the existence of a sufficient policy to lean onto. Usually, the carrier will…
Continue readingHow State Auto Insurance Rules Affect Claims & Lawsuits
Each state regulate vehicle insurance minimums, further requirements, how fault is determined in accidents and in settlements. Furthermore, where you live has a significant bearing on premiums due to the weight of those enforcements. There are cases in which some companies choose to leave certain regions because they find it hard to do business in…
Continue reading10 Common Car Insurance Problems to Avoid for Claims
Policyholders may make the mistake of seeing vehicle insurance claim settlements as an automatic outcome of buying a policy. You are right to expect your insurer to pay your damages and any claims against you. Nonetheless, it is naive to think that this will be a simple case of submitting your claim. There can be problems…
Continue readingWhy You Need a Good Auto Insurance Cover – True Story
You really don’t know what can happen on the roads. You may be a great driver and not had a claim for over ten years and one of those days you need your insurer to bail you out. This little story highlights the importance of having a good car insurance cover. Knowing you have the…
Continue reading10 Words Not to Say to Insurance Company after Accident
Sometimes you may get yourself in trouble when you talk too much. You may think that you are explaining yourself or being helpful. But insurers and third parties pick words from your statement and use them against you. So, what not to say to your car insurance company after accident? Keep it simple and don’t…
Continue readingWill No Fault Accidents Increase Auto Insurance Premiums?
When you suffer an accident that wasn’t your fault you aren’t going to be happy at all. You would be angry with third parties who caused the damages. Then you need to worry about what will happen to your premium at the next renewal. On top of it, if you face no fault accident insurance premium…
Continue readingWhat Is Next after Submitting a Vehicle Insurance Claim?
We cannot stand being made to wait for repairs or insurance payments following totaled automobiles. Cars are very essential part of American life these days. As our policies would be cancelled if we are few days late on premium payments we should be sharp in reacting to slow paying auto insurers. So, here are the things…
Continue readingCan You Negotiate with Auto Insurance Claims Adjusters?
The lower the payouts are the better for auto insurance companies. Along this line, a claims adjuster would want to please his/her employers by getting the best settlement for them. On the other hand, policyholders would want and expect that their carriers would try their best to get their repairs done in time. Also they…
Continue readingBest and Worst Car Insurance Companies for Paying Claims
People buy vehicles because they don’t want to be dependent on public transport and others for commuting or social activities. They just want to get on it and go wherever and whenever they want. In some cases, people may not even have the option of going with public transport to their jobs. It is unquestionable that…
Continue readingHow Auto Insurance Coverage Can Affect Claim Settlements
Make no mistake that insufficient car insurance coverage can hinder claim payments. It is always disappointing when it is turned down or you aren’t paid enough. Naturally, you would feel you are handled badly by the adjuster or carrier. This may be true but high expectations can be the reason behind dissatisfaction. Also, It may…
Continue readingWhat to Know before Canceling Auto Insurance Coverage
There can be a time policyholders need to cancel car insurance policies. At that time they should mind a few points to avoid any issues later on. Most companies will not have problems with auto insurance cancellation and they are obliged to refund the unused portions of premiums paid. People should communicate with carriers throughout…
Continue readingCold Weather, Running Engines and Auto Theft
Do you think it is a good idea to leave your car running when you aren’t in it? You probably answer no to this question without even thinking because it sounds pointless and risky. However, many motorists leave the keys on the vehicle or even leave it running and ready for auto thieves to take…
Continue readingWould Vehicle Insurers Accept Policy Mistakes & Pay Claims?
Question: I recently called my insurance company to renew my policy to exactly what I had the previous year. But they renewed it without comprehensive. I ended up paying out of pocket for a recent accident since I didn’t have comprehensive coverage. The thing is that I asked to renew it to match what I had last year,…
Continue readingPileup Car Accidents & Insurance: Who Pays for Damages?
Usually massive pileups happen only occasionally. But smaller pileups do happen especially in bad weather conditions. We all sit in traffic waiting for an accident to be cleared off the road. Imagine a pileup involving 10s of vehicles. It would take hours to clear the road to start with. Preparing an accident report can take…
Continue readingHow to Find out if a Vehicle Has Insurance Coverage?
Question: If you are a victim of a hit and run accident and know the license plate number of the offending vehicle, can you find out if it has insurance or not and how? Answer: You would report a hit and run accident to the police. Causing an accident and not stopping is a felony. Police must…
Continue readingHow Do Hit and Run Automobile Insurance Claims Work?
When you have no information about the vehicle that hit yours, it can be challenging to file a claim. This type of claims will be discussed in this article including what is a hit-and-run and how auto insurance companies view them. Hopefully you will have a good idea about the process and find out what…
Continue readingHow Long Do Car Insurance Claims Take to Settle?
There are various types of car insurance claims. Some are pretty straightforward and car insurance companies don’t take long to pay out and they do it with minimum fuss. And there are cases where things aren’t entirely under the control of your vehicle insurers since there are third party companies involved. Yet it is possible to guess how long…
Continue reading10 Things You Should Do After a Vehicle Accident
Traffic accidents can happen to even the best of drivers. Weather condition and other drivers may pull you into one. If you ever get involved in one it is best you snap out of the initial shock and function calmly for the benefit of everyone involved. What you do in the initial minutes can be…
Continue readingHow to File Claims with Third Party (Others’) Auto Insurers
An auto accident would stress you naturally. After you get over the initial shocks there are still many things to deal with. If there are any injuries, physical suffering would be added to mental stress. Then, there are the issues of car repairs, claim forms and who is going to pay for the damages. A…
Continue readingHow Can Vehicle Insurance Automatic Renewals Cause Problems?
Auto-renew is a great facility for people who have busy lives or tendency to forget things, on the face of it. Actually, it serves automobile insurance companies a lot better. Who could complain about a customer who has already arranged to pay for the next shipments? They would love to have most of their policyholders…
Continue readingWhat to Do If Not Satisfied with Car Insurance Claim Settlements
Even with all the honest and good intentions there could be errors, omissions and mistakes in the way your auto insurance company handles your claim. Also, there could be miscalculations and misjudgements on the parts of people involved. Expecting that everything would go without a single glitch may be too optimistic. Your first contact point…
Continue readingWhat to Do if Unhappy with Vehicle Insurance Claim Handling?
Question: I looked at many auto insurance company websites. They talk about how they could save me money pages after pages. But I cannot see what should I do if I am not happy with my car insurance claim handling or settlement. So, what could a policyholder do if he/she is not happy with the way…
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